Get Your Budget on Track. You're not going to get ahead financially until you develop a reasonable budget _ one that allows for both some indulgences and for emergencies _ and then stick to that budget. Budgeting your money is the cornerstone of a sound financial plan. You might scoff at the idea of creating a budget _ after all, you pretty much know what you spend every month, especially on big_ticket items like rent/mortgage or car payment.
Different Budget Types. There are different strategies when it comes to budgeting. The strategies are designed to help make budgeting easier overall. Every person is different and one strategy may work better for you than another strategy. Reading about the different strategies can help you determine the best budgeting strategy for your personal situation.